iQ Decision Engine

iQ Decision Engine automates lending decisions using cutting-edge scoring models that help you evaluate risk, reduce fraud, and identify the best leads. You’ll have an all-in-one package that delivers decisions in seconds, using data from trusted sources, including TransUnion, Experian, Clarity, Microbilt, Decision Logic, LexisNexis, Teletrack, and Factor Trust.

Experian, PLC

Experian, PLC is a consumer credit reporting agency. Experian collects and aggregates information on more than one billion people and businesses, including 235 million individual U.S. consumers and more than 25 million U.S. businesses.

Equifax Inc

Equifax Inc. is a consumer credit reporting agency. Equifax collects and aggregates information on over 800 million individual consumers and more than 88 million businesses worldwide.


TransUnion is a consumer credit reporting agency. TransUnion collects and aggregates information on more than one billion individual consumers in over thirty countries, including 200 million files profiling nearly every credit-active consumer in the United States.


ValidiFI is a digital platform provider using financial, employment, and phone data for account opening, management, payment facilitation, risk mitigation, and compliance. Our data and technologies improve offerings, operational efficiencies, reduce risk, and automate the digital process.

Trust Science

Trust Science combines alternative data and AI/ML to generate an alternative credit score, that significantly outperforms traditional credit scoring methods.


MicroBilt is a recognized pioneer in credit, alternative credit and risk management. MicroBilt products cover the full cycle of business from vetting to originations to recovery. And every MicroBilt product is delivered through a single, easy-to-use portal that can be customized to your business needs.


Corelogic is a consumer reporting agency that is dedicated to providing consumer reports to third-party entities for the purpose of assessing credit risk. Teletrack evaluates applicants by applying specific predictive variables.

Clarity Services

Clarity Services operates as a real-time credit bureau addressing fraud detection and credit risk management solutions for the under-banked, non-prime consumer segment.

Black Book

Black Book is a subscription service that delivers pricing for vehicles including used cars, light trucks, collectibles, commercial fleets and more. Black Book data is updated daily.